Daycare & Childcare Center Insurance
Providing Business Liability Insurance in Austin, Round Rock and All of Central Texas
Insurance for Daycare / Childcare Centers
Whatever the shape your childcare business takes on, Sunstone Insurance Agency is ready to help. With solutions for solos, fully-staffed, franchises, in-home, in-church, etc., we can find a policy to fit your business structure. As an independent agent, we are not bound by one carrier. We know a one-size-fits-all approach rarely works. That is why we work with our clients to find the right carrier and policies for their business.
What insurance does my childcare business need?
A robust insurance program for childcare facilities is obtained through a comprehensive package policy or a series of policies. Like many industries, insurance companies may specialize in daycare facilities, and have policies tailored to the unique needs of your business. At Sunstone Insurance Agency, we partner with many national, highly rated insurance companies with specialized insurance programs for childcare facilities.
General Liability insurance for childcare facilities
General liability is a starting point for a childcare facility. General liability protects your business from claims of bodily injury or property damage. For example, your employee accidentally breaks a customer’s property while they are in your care, or a child is hurt playing on the property. You can protect yourself from claims like these and the possible lawsuit that follow with a general liability policy for your childcare facility. General liability polices also contain “personal injury” coverage to protect you from claims of libel, slander, defamation, and advertising harm
Beyond general liability, professional liability protects you from claims that you were negligent in the performance of your professional duties. Typically excluded on the commercial general liability policy, professional claims address errors in judgement or performance versus harm caused by accidental occurrences.
Property Insurance for daycare facilities
Property insurance protects your building, your personal property, and your equipment from damage.
Business income and extra expense for daycares
In the event of a covered loss, business income insurance replaces the lost income so that you can continue to pay employees and maintain operations until you are able to repair or replace your facility.
Crime and cyber coverage for childcare facilities
Sunstone insurance Agency offers a variety of solutions for crime and/or cyber coverage. Crime coverage protects you from loss due to theft, including theft by employees. Cyber coverage protects the business against claims of liability to third parties due to a breach of your network. Cyber can also cover “first party” expenses such as lost data, ransomware and social engineering fraud.
Do I need workers Compensation insurance for my childcare employees?
While the State of Texas does not require workers compensation insurance, we feel that comp is a critical piece of your insurance and risk management program. Comp is usually affordable, and compared to the magnitude of the possible claims, one of the most effective risk management tools in your toolbox.
Cost of childcare insurance
Like all insurance, there are so many factors that go into rating a policy, that accurate cost is hard to ballpark. Factors that affect the cost range from the type of facility, the number and age of the children in the facility, the number of employees, years in business, safety measure in place, etc.
Additionally, limits, deductibles, and policy language affect price significantly.
The good thing for you, is that quotes are free. When you are planning for start-up, or just taking a new look at existing policies, we are happy to provide a free, no obligation quote for you.
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